LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,432
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,249
−HK$1,847/mo
Today · 4.125%
HK$62,096
baseline
▲ 0.50% · 4.625%
HK$65,874
+HK$3,778/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,192/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,005
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,748
−HK$1,769/mo
Today · 4.125%
HK$68,517
baseline
▲ 0.50% · 4.625%
HK$72,128
+HK$3,611/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$137,034/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,089,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,118
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,299
−HK$2,216/mo
Today · 4.125%
HK$74,515
baseline
▲ 0.50% · 4.625%
HK$79,049
+HK$4,534/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$149,030/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,006
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,098
−HK$2,122/mo
Today · 4.125%
HK$82,220
baseline
▲ 0.50% · 4.625%
HK$86,554
+HK$4,334/mo
Deposit HK$10.25M · loan HK$15.38M · min. income ≈ HK$164,440/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,089,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,804
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$84,349
−HK$2,585/mo
Today · 4.125%
HK$86,934
baseline
▲ 0.50% · 4.625%
HK$92,224
+HK$5,290/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$173,868/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,007
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$93,447
−HK$2,476/mo
Today · 4.125%
HK$95,923
baseline
▲ 0.50% · 4.625%
HK$100,980
+HK$5,057/mo
Deposit HK$7.69M · loan HK$17.94M · min. income ≈ HK$191,846/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,177
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$108,449
−HK$3,324/mo
Today · 4.125%
HK$111,773
baseline
▲ 0.50% · 4.625%
HK$118,574
+HK$6,801/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$223,546/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,008
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$120,147
−HK$3,183/mo
Today · 4.125%
HK$123,330
baseline
▲ 0.50% · 4.625%
HK$129,831
+HK$6,501/mo
Deposit HK$2.56M · loan HK$23.06M · min. income ≈ HK$246,660/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,066 · Scale 2, in force from 26 Feb 2026)